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Question DetailsAsked on 11/19/2014

Is there any insurance company that will insure my house which has a room addition that was done without permits?

we converted the garage into a bedroom

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1 Answer


To be perfectly honest, I have never seen an insurance company check for permits - when you get insurance they do a driveby (commonly not even getting out of the car) and take a picture or two, and maybe check the MLS or property records for the last listing or purchase amount, but after a number of home additions and purchases I know I have never been asked for proof of permits or inspections by an insurance company, and even the square footage they just took what I said without any paperwork. Course, that is pretty easy to figure out even after a fire.

Especially in your case, where you did not add square footage so your square footage remains the same as originally built - basically you did a remodel. Do check your homeowners insurance fine print - they may have snuck in something about not being covered for unpermitted work.

Course, you could wave the red flag in front of the bull and ask them directly.

Answered 5 years ago by LCD

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